Build credit with Kikoff.
with 0% interestno credit pull required
Kikoff addresses three key factors that determine 80% of your credit score.
Start building credit in seconds
Sign up for Kikoff Credit Service.
Apply in minutes with no credit pull. Purchase the Kikoff Credit Service for $5/month[1]. This account is designed to build long-term credit and give you a low utilization rate[2].Make your first payment.
Your payment goes toward your Credit Account balance and payment history gets reported to the credit bureaus[3]. This account stays open as long as your Kikoff account is active.Open your Credit Builder Loan.
After your first payment, you’ll unlock access to the 0% interest and $0 fees Credit Builder Loan. Pay 12 installments of $10/month, after which we will return your $120 back to you.
Join hundreds of thousands building their credit with Kikoff.
As reviewed on
Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.
Kikoff offers 2 products, both products report to the major credit bureaus and are offered as 1-year plans:
- Kikoff Credit Account - this is our standard product for all new Kikoff customers. This account builds monthly payment history and helps reduce your credit utilization. The Credit Account gets reported to Equifax and Experian every month and costs $5/month. Learn more.
- Kikoff Credit Builder Loan - this is an optional add-on for customers that want to build even more credit. This is a 1-year savings plan for $10/month. You’ll be able to add this product after your first payment with the Kikoff Credit Account.
No, Kikoff is not a credit card. You are not able to use your Kikoff Credit Account to purchase other goods or services (except for Kikoff credit-building plans).
Kikoff is a credit-building plan. Our product is specially designed to maximize your credit – a low-cost way to build payment history while preventing you from building up more debt. The Kikoff Credit Account gets reported as a revolving line of credit. See our Kikoff Credit Account page and our full FAQs to learn more.
On average, customers with credit scores under 600 increase their credit scores by 58 points[1], helping them qualify for better car loans, mortgages, credit cards, personal loans, and more.
Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.
[1] Credit Score Increase: Based on Kikoff customers that used the Credit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
The Kikoff Credit Account (our standard product) is a 1-year credit-building plan that costs $60.
The $5/month plan is purchased upfront ‘on credit’ and you’re responsible for paying Kikoff $5/month for 12 months (total of $60). You can choose to renew your plan annually for long-term credit building. Learn more.
How does it work? Every month, Kikoff reports your account to Equifax and Experian. It’s important for you to make on-time monthly payments so your account is reported in good standing. The Credit Account is most helpful for adding positive payment history, lowering your credit utilization, and increasing your average account age. Learn more.
Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion. We report all customers’ monthly payments to Equifax and Experian.
Please note that reporting depends upon which Kikoff products you have:
- Kikoff Credit Account (Credit Service plan) reports to Equifax and Experian.
- Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.